Debt may seem to be a regular part of contemporary life for most people, but for some it carries with it many negative effects. Since each different person has his or her own unique personality and way of dealing with things, not everyone is affected by money problems the same way. Some people will just shrug them off and continue to create more, while others may end up sick or using alcohol and drugs to hide from reality. Obviously, there is a grey area between the two extremes, but for most, carrying a heavy debt load creates some specific psychological effects. The intensity and severity of these effects may differ from person to person, but most will notice some issues along the way.